Property Affordability Calculator Philippines
Find out the maximum property price you can realistically afford based on your gross income, existing financial obligations, available down payment, and preferred loan terms.
You can afford up to
₱2,377,750
Maximum property price
How do banks determine how much you can borrow?
Philippine banks use the Debt-to-Income (DTI) ratio as the primary measure of loan affordability. Your total monthly debt obligations — including the new home loan — should not exceed 30–40% of your gross monthly income.
In addition to DTI, banks assess your credit history, length of employment, the type of property, and the loan-to-value (LTV) ratio. Most banks lend up to 80–90% of the appraised value, meaning you need a minimum of 10–20% down payment.
This calculator provides an estimate based on the DTI method. Actual loan approval depends on your complete credit profile — consult your bank or a licensed real estate broker for a more accurate assessment.
Find properties within your budget
Filter by price range to find houses, condos, and lots that match what you can afford.